Lake County, SD Mortgage Lenders & HMDA Data, 2015
In 2015, lenders reported 368 mortgage applications in Lake County, SD totaling $59.6 million, up 3% from 2014. The average application was for $162,000, and applicants reported an average income of $96,000. 62% of applications resulted in an originated loan and 10% were denied. The most active lender was CU Mortgage Direct, LLC, with 58 applications, followed by First Bank & Trust and Great Western Bank.
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| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 368 |
| Total Mortgage Loan Application Amount | $59,637,000 |
| Average Mortgage Loan Application Amount | $162,000 |
| Highest Mortgage Loan Application Amount | $1,872,000 |
| Average Applicant Income | $96,000 |
| Highest Applicant Income | $1,186,000 |
* Phone Numbers for Mortgage Lenders are available with a Data Download Report
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| CU Mortgage Direct, LLC 5010 S. SOLBERG AVENUE SIOUX FALLS, SD 57108 |
* | $ 48,476,000 | 58 | $ 8,359,000 |
| First Bank & Trust 110 N. MINNESOTA AVE SIOUX FALLS, SD 57104 |
* | $ 696,775,000 | 34 | $ 4,510,000 |
| Great Western Bank 35 1ST AVE NE WATERTOWN, SD 57201 |
* | $ 9,636,848,000 | 29 | $ 4,220,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,532,784,000,000 | 28 | $ 3,440,000 |
| Plains Commerce Bank 220 MAIN ST HOVEN, SD 57450 |
* | $ 573,850,000 | 21 | $ 3,327,000 |
| Home Federal Bank 225 S MAIN SIOUX FALLS, SD 57104 |
* | $ 1,261,060,000 | 18 | $ 2,927,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 398,978,359,000 | 15 | $ 2,088,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 15 | $ 2,277,000 |
| Suntrust Mortgage, Inc. 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 185,888,583,000 | 11 | $ 2,114,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 2,074,981,000,000 | 8 | $ 1,636,000 |
| The First National Bank in Sioux Falls 100 S. PHILLIPS AVENUE SIOUX FALLS, SD 57104 |
* | $ 1,092,493,000 | 7 | $ 1,223,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 138,031,000 | 6 | $ 1,403,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,356,442,000,000 | 6 | $ 525,000 |
| Primary Residential Mortgage, Inc. 1480 N 2200 W SALT LAKE CITY, UT 84116 |
* | $ 242,587,000 | 6 | $ 865,000 |
| Cortrust Mortgage, Inc. 2101 S MINNESOTA AVENUE SIOUX FALLS, SD 57105 |
* | $ 10,000,000 | 5 | $ 1,208,000 |
| First Premier Bank 400 S SYCAMORE AVE, SUITE 101 SIOUX FALLS, SD 57104 |
* | $ 1,722,553,000 | 5 | $ 939,000 |
| Levo Federal Credit Union 700 E 14TH STREET SIOUX FALLS, SD 57106 |
* | $ 224,550,000 | 5 | $ 794,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 67,301,894,000 | 5 | $ 651,000 |
| Bokf NA ONE WEST 3RD, 5TH FL TULSA, OK 74172 |
* | $ 28,953,664,000 | 5 | $ 700,000 |
| First Dakota National Bak 225 CEDAR ST YANKTON, SD 57078 |
* | $ 1,104,082,000 | 5 | $ 965,000 |
| Bankwest, Inc. 420 S. PIERRE STREET, PO BOX 998 PIERRE, SD 57501 |
* | $ 889,163,000 | 4 | $ 1,963,000 |
| Reliabank Dakota 211 N MAIN ST ESTELLINE, SD 57234 |
* | $ 270,764,000 | 4 | $ 796,000 |
| Megastar Finanacial Corp 1080 CHEROKEE STREET DENVER, CO 80204 |
* | $ 10,000,000 | 4 | $ 639,000 |
| Dacotah Bank 308 S MAIN STREET, PO BOX 1210 ABERDEEN, SD 57401 |
* | $ 2,166,657,000 | 3 | $ 424,000 |
| Iowa Bankers Mortgage Corporation 8800 NW 62ND AVE JOHNSTON, IA 50131 |
* | $ 10,000,000 | 3 | $ 639,000 |
| Ditech Financial LLC 1100 VIRGINIA DRIVE, SUITE 100 FORT WASHINGTON, PA 19034 |
* | $ 6,260,444,000 | 3 | $ 296,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ 10,000,000 | 3 | $ 471,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 3 | $ 481,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 1,019,497,000,000 | 3 | $ 303,000 |
| Quoin Financial Bank PO BOX 199 MILLER, SD 57362 |
* | $ 148,164,000 | 2 | $ 295,000 |
| Security National Bank of South Dakota 325 DAKOTA DUNES BLVD DAKOTA DUNES, SD 57049 |
* | $ 178,444,000 | 2 | $ 359,000 |
| Cortrust Bank 100 EAST HAVENS MITCHELL, SD 57301 |
* | $ 719,581,000 | 2 | $ 804,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ 39,000,000 | 2 | $ 164,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,574,093,000,000 | 2 | $ 413,000 |
| Plaza Home Mortgage, Inc 4820 EASTGATE MALL, STE 100 SAN DIEGO, CA 92121 |
* | $ 10,000,000 | 2 | $ 228,000 |
| Service First Federal Credit Union 3901 E 10TH STREET SIOUX FALLS, SD 57103 |
* | $ 135,257,000 | 2 | $ 533,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 2 | $ 160,000 |
| Citywide Home Loans, LLC CHICAGO, IL 60613 |
* | $ 10,000,000 | 1 | $ 882,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ 8,685,931,000 | 1 | $ 62,000 |
| Voyage Federal Credit Union 3823 KIWANIS CIR SIOUX FALLS, SD 57105 |
* | $ 77,639,000 | 1 | $ 240,000 |
| Meta Financial Group, Inc. 4900 S WESTERN AVENUE SIOUX FALLS, SD 57108 |
* | $ 2,107,864,000 | 1 | $ 110,000 |
| Two Rivers Bank 555 SOUTH 19TH STREET BLAIR, NE 68008 |
* | $ 141,503,000 | 1 | $ 140,000 |
| First Interstate Bank PO BOX 30918 BILLINGS, MT 59116 |
* | $ 8,576,299,000 | 1 | $ 324,000 |
| Black Hills Federal Credit Union PO BOX 1420-225 MAIN ST RAPID CITY, SD 57702 |
* | $ 1,017,998,000 | 1 | $ 260,000 |
| Liberty National Bank SIOUX FALLS, SD 57106 |
* | $ 309,182,000 | 1 | $ 1,106,000 |
| Peoples Bank 4831 W 6TH ST LAWRENCE, KS 66049 |
* | $ 447,877,000 | 1 | $ 212,000 |
| Flanagan State Bank 301 W FALCON HWY FLANAGAN, IL 61740 |
* | $ 166,793,000 | 1 | $ 146,000 |
| Stonegate Mortgage Corporation 9190 PRIORITY WAY WEST DRIVE INDIANAPOLIS, IN 46240 |
* | $ 10,000,000 | 1 | $ 71,000 |
| Luminate Home Loans, Inc. 2523 WAYZATA BLVD SUITE 200 MINNEAPOLIS, MN 55405 |
* | $ 4,028,990,000 | 1 | $ 82,000 |
| Minnwest Bank 300 S WASHINGTON REDWOOD FALLS, MN 56283 |
* | $ 1,578,629,000 | 1 | $ 151,000 |
| United Bank of Iowa 501 SECOND STREET IDA GROVE, IA 51445 |
* | $ 1,270,132,000 | 1 | $ 142,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ 1,825,398,000 | 1 | $ 194,000 |
| Suntrust Bank P.O. BOX 4418, MAIL CODE 0663 ATLANTA, GA 30302 |
* | $ 185,888,583,000 | 1 | $ 40,000 |
| Security Savings Bank 100 S WEST ST PO BOX 125 CANTON, SD 57013 |
* | $ 183,891,000 | 1 | $ 179,000 |
| American Bank 9001 EDMONSTON ROAD SUITE 100 GREENBELT, MD 20770 |
* | $ 395,549,000 | 1 | $ 82,000 |
| Flagstar Bank 5151 CORPORATE DRIVE TROY, MI 48098 |
* | $ 9,779,461,000 | 1 | $ 243,000 |
| Frontier Bank 301 1ST AVE ROCK RAPIDS, IA 51246 |
* | $ 186,200,000 | 1 | $ 212,000 |
| Nationwide Bank ONE NATIONWIDE PLAZA COLUMBUS, OH 43215 |
* | $ 6,265,793,000 | 1 | $ 239,000 |
| State Farm Bank, F.S.B. 1 STATE FARM PLAZA E-6 BLOOMINGTON, IL 61710 |
* | $ 16,808,214,000 | 1 | $ 130,000 |
The tables below break down 2015 mortgage applications in Lake County, SD by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.
Mortgage Loan Application Detail Totals for Lake County, SD in 2015
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Home Purchase | 182 | $27,858,000 | $153,000 | $1,872,000 | $87,000 | $702,000 |
| Refinancing | 161 | $29,926,000 | $185,000 | $1,106,000 | $107,000 | $1,186,000 |
| Home Improvement | 25 | $1,853,000 | $74,000 | $280,000 | $85,000 | $247,000 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 297 | $48,290,000 | $162,000 | $1,106,000 | $109,000 | $1,186,000 |
| Not applicable | 49 | $8,457,000 | $172,000 | $1,872,000 | $25,000 | $200,000 |
| Not Provided | 13 | $1,806,000 | $138,000 | $384,000 | $71,000 | $148,000 |
| Hispanic | 4 | $496,000 | $124,000 | $157,000 | $50,000 | $75,000 |
| American Indian or Alaskan Native | 3 | $344,000 | $114,000 | $263,000 | $67,000 | $131,000 |
| Black or African American | 2 | $244,000 | $122,000 | $166,000 | $59,000 | $83,000 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 271 | $47,630,000 | $175,000 | $1,872,000 | $115,000 | $1,186,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 42 | $4,291,000 | $102,000 | $155,000 | $30,000 | $68,000 |
| FHA-insured (Federal Housing Administration) | 35 | $4,098,000 | $117,000 | $276,000 | $47,000 | $200,000 |
| VA-guaranteed (Veterans Administration) | 20 | $3,618,000 | $180,000 | $265,000 | $56,000 | $175,000 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 228 | $36,234,000 | $158,000 | $1,872,000 | $108,000 | $1,186,000 |
| Loan Purchased By The Institution | 48 | $6,933,000 | $144,000 | $292,000 | $33,000 | $200,000 |
| Application Denied By Financial Institution | 37 | $5,430,000 | $146,000 | $590,000 | $71,000 | $283,000 |
| Application Withdrawn By Applicant | 32 | $6,706,000 | $209,000 | $1,106,000 | $103,000 | $615,000 |
| Application Approved But Not Accepted | 18 | $3,677,000 | $204,000 | $417,000 | $160,000 | $605,000 |
| File Closed For Incompleteness | 5 | $657,000 | $131,000 | $250,000 | $20,000 | $54,000 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Credit History | 7 | $954,000 | $136,000 | $304,000 | $95,000 | $283,000 |
| Debt-To-Income Ratio | 7 | $998,000 | $142,000 | $410,000 | $54,000 | $89,000 |
| Collateral | 6 | $910,000 | $151,000 | $300,000 | $124,000 | $209,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $313,000 | $104,000 | $130,000 | $36,000 | $40,000 |
| Other | 3 | $617,000 | $205,000 | $400,000 | $58,000 | $89,000 |
| Credit Application Incomplete | 2 | $102,000 | $51,000 | $70,000 | $28,000 | $32,000 |
| Employment History | 1 | $68,000 | $68,000 | $68,000 | $96,000 | $96,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) loan application records that lenders file with the FFIEC each year, and count every application (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
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